Configuring the Clock Tree
Out of reset the STM32F411RE runs at 16 MHz on an internal RC oscillator, which is a deliberately conservative choice: it works with no crystal, no configuration, and no risk. It is also one sixth of what the part can do, it is accurate to about ±1 % over temperature rather than the ±20 ppm a crystal gives, and it cannot produce the 48 MHz that USB requires. Somewhere in the first week of a real project you will need to change it.